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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,488 | $100,139-62.6% | $85,187-56.0% | $145,884-74.3% |
| Participation rate | 47.8% | 74.1%-26.3pp | 67.5%-19.7pp | 80.3%-32.5pp |
| Annual return | 12.04% | 84.15%-72.1pp | 66.67%-54.6pp | 551.85%-539.8pp |
| Employer contribution / active EE | $1,829 | $3,238-43.5% | $2,732-33.1% | $4,662-60.8% |
| Participant deferral / active EE | $4,567 | $5,296-13.8% | $4,525+0.9% | $6,690-31.7% |
| Admin fee / account holder | $2,748 | $7,262-62.2% | $6,162-55.4% | $13,392-79.5% |